Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have ME/CFS and have had to move 200 miles from my home town to get the hospital treatment that I need after asking the locak NHS for help for over 6 months. I have not worked for 10 months and I am claiming ESA benefit.
After 5 months I have reluctantly had to rent my house out and now The Halifax want to charge me £999 for the privilage.
I have asked them what this charge is for and three different people in The Halifax say three different things.
1. To protect them against the risk of me not paying the mortgage which is only £113 per month and 1/3 of the net rent.
2. A guarantee for the funds. This will only guarantee them the funds if I do not pay the mortgage for 9 months, what would happen after that?
3. Arrangement fee. I asked them what they are doing for this money and they cannot tell me.
The mortgage endowment pays the mortgage off in 9 weeks and they still want the £999.
The £999 is a figure plucked out of the sky and does not represent a guarantee, is not calculated after evaluating the risk to them and would pay an administrator's salary for a month to organise.
Unfair mortgage arrangement fee!!
want to charge me £999 for the privilage.
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